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M&T Bank MTB Q3 2025 earnings

Reported October 16, 2025 · Before market open

Revenue$2.5BBeat by $72.3M
EPS$4.87Beat by $0.44
Revenue estimate$2.4B
EPS estimate$4.43

Next report

Oct 16, 2026 (in 2 months)
Revenue estimate$2.5B
EPS estimate$4.94

Financials

Q3 2025

Income statement

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Revenue$2.5B+7.8%
Net income$792.0M+9.8%
EPS (diluted)$4.82+19.9%

Balance sheet

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Cash & equivalents$2.0B-12.0%
Total debt$17.0B+163%
Total equity$28.7B-0.5%
Total assets$211.28B-0.2%

Cash flow

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Operating cash flow$1.0B—
CapEx$36.0M+20.0%
Free cash flow$965.0M—

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$30.88B+4.4%
Enterprise value$45.92B+35.7%
P/E11.1×-1.2×
P/S3.2×0.0×

Profitability

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Net margin28.9%+2.9pp
FCF margin41.5%+13.5pp

Returns & leverage

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Return on equity9.6%+1.0pp
Debt / equity0.6×+0.4×

Segments

By segment

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Retail Bank$1.2B-3.4%
Commercial Bank$748.0M+3.5%
Institutional Services and Wealth Management$407.0M+4.6%
All Other$110.0M+253%

By product

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Trust income$181.0M+6.5%
Service charges on deposit accounts$141.0M+6.8%
Merchant discount and credit card interchange fees$47.0M+14.6%
Brokerage services income$34.0M+6.3%

FAQ

When did M&T Bank report Q3 2025 earnings?
M&T Bank (MTB) reported Q3 2025 earnings on October 16, 2025 before market open.
What were M&T Bank's Q3 2025 revenue and EPS?
M&T Bank reported revenue of $2.5B and eps of $4.87 for Q3 2025.
Did M&T Bank beat estimates in Q3 2025?
Revenue beat the consensus estimate of $2.4B by $72.3M. EPS beat the consensus estimate of $4.43 by $0.44.
How did M&T Bank's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.8% from $2.3B a year earlier and eps grew 21.1% from $4.02.
Where can I find M&T Bank's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000036270-25-000018) and the 10-Q periodic report (0000036270-25-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.